Relevant bibliographies by topics / PayPal

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'PayPal'

Author: Grafiati
Published: 4 June 2021
Last updated: 30 May 2022

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Journal articles on the topic "PayPal"

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Shadlou, Saeed, Ng Jie Kai, and Abdolreza Hajmoosaei. "Online Payment via PayPal API Case Study Event Registration Management System (ERMS)." International Journal of Web Portals 3, no. 2 (April 2011): 30–37. http://dx.doi.org/10.4018/jwp.2011040104.

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PayPal is an international payment gateway allowing businesses and individuals to transfer funds in a secure manner over the Internet. Using PayPal to accept payments has several advantages for online merchants. It is a recognized brand when it comes to Business to Consumer (B2C) transactions, creating a business account with PayPal is easier and faster, and finally, PayPal lends its name to the transaction, so customers may feel more comfortable entering into a transaction with a previously unknown merchant. Besides the mentioned advantages, PayPal’s transaction dispute system requires a tracking number from a shipped package to respond to a customer dispute. If the product is purely electronic (a download or access to a site, for example), one’s response to disputes will be quite limited. The solution for the problem mentioned above is PayPal API. The PayPal API resolves Pay Pal drawback through maintaining card and bank account payment schedules without the liability of warehousing payment data also processing one-time and recurring payments. For the evaluation of Pay Pal API, the authors develop an Event Registration Management System (ERMS). ERMS serves as a platform for users to make registrations for events such as conferences, seminars, and workshops.
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Tusikov, Natasha. "Defunding Hate: PayPal’s Regulation of Hate Groups." Surveillance & Society 17, no. 1/2 (March 31, 2019): 46–53. http://dx.doi.org/10.24908/ss.v17i1/2.12908.

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The riot by white supremacists in Charlottesville, Virginia, in August 2017, generated a public debate about the role of platforms in policing users involved in violent hate speech. PayPal’s efforts on this issue, in removing services from some designated hate groups while continuing to serve others, highlights the challenges payment platforms face when they act, whether formally or informally, as regulators. This article examines PayPal’s policies and enforcement efforts, both proactive and reactive, in removing its services from hate groups in the United States. It pays particular attention to the surveillance and screening practices that PayPal employs to proactively detect users who violate its policies. The article argues that public calls for PayPal to identify and remove its services from hate groups raise critical questions about ceding broad regulatory authority to platforms and reveal the serious challenges of relying upon commercial enterprises to address complex social problems.
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Smith, Stephen, and Matthew Hunt. "Killer acquisitions and PayPal/iZettle." Competition Law Journal 18, no. 4 (January 29, 2020): 162–66. http://dx.doi.org/10.4337/clj.2019.04.04.

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In PayPal/iZettle the CMA has, for the first time in a Phase II investigation, directly considered the issue of ‘killer acquisitions’. It assessed whether PayPal's acquisition of iZettle might have been motivated by an intention to prevent future competition from an emerging rival. This article first explores the wider concerns surrounding killer acquisitions, putting the PayPal/iZettle decision in context. It explains the difficulties that some countries face in ensuring that high value acquisitions of innovative start-ups with low revenues are still subject to regulatory control, and the steps that countries like Germany and Austria have taken to resolve this. It then analyses the CMA's decision, highlighting the importance that the CMA placed on the parties’ internal documents for determining the rationale for the transaction and the justification for the amount paid. The article concludes by noting that potential killer acquisitions are likely to remain on the radar of competition regulators (in Europe and the UK) for some time to come.
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Ayu Hapsari, Recca, Bambang Hartono, and Yana Listiyani. "Dispute Settlement Analysis and Refused Claims in Payment Gateway Transactions on Paypal Indonesia." Lambung Mangkurat Law Journal 6, no. 2 (September 11, 2021): 199–212. http://dx.doi.org/10.32801/lamlaj.v6i2.262.

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In transactions using Paypal, of course, there are many reasons for the risk of disputes occurring, ranging from delays in delivery, damaged goods, and transactions without authorization. The problem will be different when they carry out business transactions in different regions of the country and they have different nationalities. The research method uses a normative and empirical juridical approach, a normative juridical approach is carried out by studying legal norms or rules, while the empirical approach is carried out by direct interviews with sources who will relate to research problems, the data analysis used is qualitative. In trading transactions via the internet, trade is generally carried out by people who are located and subject to different countries and jurisdictionsThe legal relationship between Payment Gateway Users and Payment Gateway Providers At Fintech Paypal Indonesia is where the parties involved in the electronic payment system include consumers, business actors, acquirers, issuers and payment gateway providers. legal relationships that arise between consumers, business actors, acquirers, issuers and payment gateway operators are born from agreements made by the parties. Dispute Resolution and Chargeback Claims in Payment Gateway Transaction activities on Paypal Fintech where the paypal system provides services can communicate directly with the seller by opening a dispute at the Paypal Dispute Settlement Center. if it is not completed in following the policies provided by paypal services, consumers or business actors can ask for recommendations to mediate to the paypal service center but if they are not finished, business actors and consumers can resolve disputes through litigation, which usually business actors are subject to the applicable law, applies where the consumer is a national.
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Giuri, Maurizio. "Paypal-Kunden zahlen mit Bitcoin." Lebensmittel Zeitung 73, no. 14 (2021): 41. http://dx.doi.org/10.51202/0947-7527-2021-14-041-2.

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Giuri, Maurizio. "Paypal launcht App mit Spendenfunktion." Lebensmittel Zeitung 73, no. 38 (2021): 37. http://dx.doi.org/10.51202/0947-7527-2021-38-037.

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Tomic, Nenad. "Characteristics and functioning of PayPal system." Megatrend revija 11, no. 2 (2014): 255–70. http://dx.doi.org/10.5937/megrev1402255t.

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Stringham, Edward P. "Eric M. Jackson, The PayPal Wars." Review of Austrian Economics 21, no. 1 (January 5, 2008): 99–101. http://dx.doi.org/10.1007/s11138-007-0030-4.

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Stürner, M. "Rechtliche Konsequenzen des Käuferschutzes durch PayPal." JURA - Juristische Ausbildung 40, no. 5 (May 1, 2018): 532. http://dx.doi.org/10.1515/jura-2018-0109.

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Giuri, Maurizio. "Paypal will an Kassen stationärer Händler." Lebensmittel Zeitung 73, no. 18 (2021): 81. http://dx.doi.org/10.51202/0947-7527-2021-18-081-3.

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Dissertations / Theses on the topic "PayPal"

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Софронов, В. С. "Стан та структура електронної торгівлі в світі." Thesis, Сумський державний університет, 2018. http://essuir.sumdu.edu.ua/handle/123456789/66879.

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Мережа Інтернет виносить функції торгівлі на повністю новий рівень. Через зміну тенденцій її розвитку, вона досить важко піддається вивченню, не кажучи вже про прогнозування, що є великою проблемою. Але все ж таки, деякі переваги над звичайною моделлю торгівлі є досить очевидними.
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Krob, Jakub. "Platební systémy na Internetu." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-10576.

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Jehle, Stefanie. "Vertrauen und Recht im Internet am Beispiel vorvertraglicher Informationspflichten und des Bezahlverfahrens PayPal." Hamburg Kovač, 2010. http://d-nb.info/1000907678/04.

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Ballin, Lorenzo. "Progettazione e sviluppo di un sistema per la gestione di pagamenti su piattaforme mobili android." Bachelor's thesis, Alma Mater Studiorum - Università di Bologna, 2014. http://amslaurea.unibo.it/7416/.

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Il processo di realizzazione di questo lavoro nasce con la ricerca di un'intuizione che potesse emergere come novità nell'oceano di possibilità offerte dal mercato degli applicativi per smartphone. Il risultato finale di questa ricerca ha prodotto una conclusione apparentemente ambiziosa: sostituire il vecchio concetto di 'portamonete' con una versione più pratica, innovativa ed in accordo con l'attuale direzione delle tecnologie moderne.
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Baktirovic, Adnan. "Utveckling av hotspotsystem." Thesis, Karlstad University, Division for Information Technology, 2008. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-1584.

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Detta examensarbete är gjort på uppdrag av Fiber Optik Valley. Huvuduppdraget i projektet var att skapa ett fungerande betalningssystem för en hotspot och att utveckla företagets webbsida. Hotspotsystemet som baserades på en gratistjänst från Public IP, är tänkt att kunna fungera delvis autonomt utan ägarens ingripande. Företagets webbsida skapades i en Flex2-utvecklingsmiljö och produkten blev en Adobe Flash-applikation. För att få ett dynamiskt och konfigurerbart system skapades även en kontrollpanel till webbsidan åt företagets webbadministratörer, så att innehållet på sidan ska kunna förändras utan att behöva kompilera om koden. Kontrollpanelen säkrades också med en inloggningsprocess.

Som underliggande motor och som ersättning för brister i Flash-funktionaliteten, användes Simple PHP-tjänster mellan Flash-applikationen och PHP-skripten på servern. Betalningssystemet utvecklades med hjälp av PHP, MySQL och JavaScript. I systemet ingår PayPal’s IPN-tjänster för penningtransaktioner och validering av transaktioner. En självständig AMP-server, Apache2, MySQL och PHP5.0, lades till hotspotsystemet för att minska behovet av att ha en webbsida på ett externt webbhotell.


This graduation work was done as a assignment from Fiber Optic City company based in Hudiksvall Sweden. The base assignment was to create an automated payment system for a Hotspot network and a company web page. The hotspot system should work as a standalone service. The company has already a working free-of-charge service that is offered to its customers and is based on Public IP system.

The company webpage was done with the help of a development suite called Flex2 and the result was an Adobe Flash application. To increase webpage dynamics a second page was developed for the company to have the ability to change and configure the main company webpage. An authentication service was deployed to configuration page to increase its security. As an engine and a substitute for lack of functionality and security in Adobe Flash simplePHP web service was used to connect Flash with a PHP script on its server.

The payment system was developed with the help of PHP, MySQL and JavaScript. The system uses Paypal IPN service for money transaction and transaction validation

A standalone web server with Apache2, PHP 5.0 and MySQL was deployed to the hotspot system to reduce the need of having an authentication system on a commercial Internet based web hotel.

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Kudas, M. "The brand new world in science and engineering – Elon Musk." Thesis, Київський національний університет технологій та дизайну, 2019. https://er.knutd.edu.ua/handle/123456789/14379.

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Bogdanovic, Milos, and Semir Huduti. "Developing an Enterprise Application : A case study." Thesis, KTH, Skolan för informations- och kommunikationsteknik (ICT), 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-177034.

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The aim of this thesis is to inspect and identify available technologies and services in order to develop a prototype web application, based on acrowd funding idea, for a startup company. The prototype is going to be used for attracting investments, for further development, and it implements essential functionality such as social login, and a user interface focused on statistics and a payment service.The project was conducted in three main areas, a research phase, a development phase and a documentation phase. All the choices that have been made during the project have been considered with other possible solutions at the research phase by investigating the advantages and disadvantages of the solutions. In conclusion, the thesis examines the web application prototype as a final result, evaluates design decisions and solution choices made in there search phase and recommends possible extension routes of the system for further application development. The thesis hopes to offer useful information and a good starting point for students that are considering developing an application based on a crowd funding model or an Enterprise application using similar technologies.
Syftet med denna studien är att undersöka och identifiera tillgängligateknologiska lösningar och tjänster för utveckling av en webbapplikation prototyp, baserad på en crowdfunding idé, för ett nystartat företag. Prototypen kommer att användas för att locka inverterare som är villiga att vidareutveckla prototypen. De grundläggande funktionaliteten såsom social inloggning, och et tanvändargränssnitt med fokus på statistik och en betaltjänst är implementerat i prototypen. Projektet utfördes i tre huvudsakliga delar, en undersöknings fas, en utvecklins fas och dokumentations fas. Alla valen som har gjorts under projektets gång har övervägts med andra möjliga val under undersökningsfasen genom att ta fram för och nackdelar. Avslutningsvis undersöker studien den slutliga prototypen som ett slutresultat, utvärderar designbeslut och lösnings val som har gjorts under forskningsfasen och rekommenderar eventuella tilläggsmöjligheter för vidareutveckling. Studien förväntas kunna ge användbar information och en bra utgångspunkt för projekt som överväger att utveckla ett program som bygger på en crowdfunding modell eller ett Enterprise program med liknande teknologi.
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Nagy, Erik. "Platební systémy na Internetu." Master's thesis, Vysoké učení technické v Brně. Fakulta informačních technologií, 2010. http://www.nusl.cz/ntk/nusl-237273.

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The main subject of this masters thesis is to familiarize with technologies used to realization of online payment systems on internet. The document is more detailed focused on realization of internet banking, credit card payment, payment via SMS and on systems of internet wallets like PayPal and Moneybookers. There are proposed several criteria that are used to compare the payment methods, what was also a motivation for more detailed study of methods. These payment methods are compared from the user point of view, and from the perspective of integration these systems to the existing applications, which led us to work on the manual with user guides about how to integrate these payment methods to the web sites, what is also a contribution of this masters thesis.
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Houška, Daniel. "Analýza vybraných on-line platebních systémů." Master's thesis, Vysoká škola ekonomická v Praze, 2006. http://www.nusl.cz/ntk/nusl-155.

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Práce komplexně popisuje současné alternativní možnosti on-line plateb v prostředí Internetu. Práce sleduje trendy a vývoj v oblasti e-Payment systémů, včetně praktického využití pro účely on-line obchodování v České republice. Důraz je kladen především na systémy ktyté zlatem, systém e-gold.
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Obůrková, Markéta. "Obchodování na internetových aukcích." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-15914.

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Diploma thesis entitled Trading on Internet Auctions deals with the analysis and comparison of important international and Czech internet auctions. Under examination are not only important auctions in terms of number of users, but also those that surpass other interesting business solutions and innovative thinking. The diploma thesis is divided into three chapters. The first chapter, entitled Establishment and Development of e-commerce describes the most important events and milestones for the development of e-commerce and the subsequent emergence of online auctions. The second chapter is specifically devoted to the analysis and comparison of foreign auction sites. The third chapter focused attention on the Czech auction sites, including the legal aspects that are related to trading on internet auctions. The whole thesis ends by conclusion and evaluation of reaching the given object.
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Books on the topic "PayPal"

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Dave, Nielsen, and Burchell Dave, eds. PayPal hacks. Sebastopol, CA: O'Reilly, 2004.

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Paypal for dummies. Indianapolis, IN: Wiley Pub., Inc, 2005.

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PayPal APIs: Up and running. 2nd ed. Beijing: O'Reilly, 2012.

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Balderas, Michael. PayPal APIs: Up and running. Beijing: O'Reilly, 2011.

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Jonetzki, Antonius. Rechtsrahmen innovativer Zahlungssysteme für das Internet: Am Beispiel von PayPal. Frankfurt am Main: Peter Lang, 2010.

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Kirsten, Barta, ed. The PayPal official insider guide to mobile profits: Make money anytime, anywhere. Berkeley, CA: Peachpit, 2012.

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The PayPal wars: Battles with eBay, the media, the mafia, and the rest of planet Earth. Los Angeles, CA: World Ahead Pub., 2004.

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Elon Musk. Minneapolis, MN: Bellwether Media, 2014.

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Kallen, Stuart A. Elon Musk and Tesla. San Diego, CA: ReferencePoint Press, Inc., 2016.

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Tēvan̲. Cīn̲up payal. Cen̲n̲ai: Allayan̲s, 1993.

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Book chapters on the topic "PayPal"

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West, Adrian W. "Add PayPal." In Practical HTML5 Projects, 245–60. Berkeley, CA: Apress, 2012. http://dx.doi.org/10.1007/978-1-4302-4276-5_10.

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Darie, Cristian, and Karli Watson. "Receiving Payments Using PayPal." In Beginning ASP.NET 1.1 E-Commerce: From Novice to Professional, 217–28. Berkeley, CA: Apress, 2004. http://dx.doi.org/10.1007/978-1-4302-0690-3_7.

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Standare, Lars, Darren Hayes, Nhien-An Le-Khac, and Kim-Kwang Raymond Choo. "Forensic Investigation of PayPal Accounts." In Studies in Big Data, 141–74. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-47131-6_7.

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Preibusch, Sören, Thomas Peetz, Gunes Acar, and Bettina Berendt. "Purchase Details Leaked to PayPal." In Financial Cryptography and Data Security, 217–26. Berlin, Heidelberg: Springer Berlin Heidelberg, 2015. http://dx.doi.org/10.1007/978-3-662-47854-7_13.

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Alici, Serkan, Ekin Akkol, Can Aydin, and Cigdem Tarhan. "Sentiment Analysis of How Turkish Customers Affected by PayPal Closure." In Economic and Financial Challenges for Balkan and Eastern European Countries, 303–13. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-39927-6_19.

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Packman, Carl. "Introduction." In Payday Lending, 1–3. New York: Palgrave Macmillan US, 2014. http://dx.doi.org/10.1057/9781137361103_1.

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Packman, Carl. "The History and Development of High-Cost Credit and Payday Lending." In Payday Lending, 4–35. New York: Palgrave Macmillan US, 2014. http://dx.doi.org/10.1057/9781137361103_2.

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Packman, Carl. "Payday in the UK." In Payday Lending, 36–54. New York: Palgrave Macmillan US, 2014. http://dx.doi.org/10.1057/9781137361103_3.

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Packman, Carl. "The European Directive to Consume." In Payday Lending, 55–72. New York: Palgrave Macmillan US, 2014. http://dx.doi.org/10.1057/9781137361103_4.

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Packman, Carl. "The Australian SACCs Appeal." In Payday Lending, 73–97. New York: Palgrave Macmillan US, 2014. http://dx.doi.org/10.1057/9781137361103_5.

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Conference papers on the topic "PayPal"

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Li, Min, and Chris J. Hogger. "FORMULATING ASPECTS OF PAYPAL IN THE LOGIC FRAMEWORK OF GBMF." In 11th International Conference on Enterprise Information Systems. SCITEPRESS - Science and Technology Publications, 2009. http://dx.doi.org/10.5220/0001858600390044.

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Pietro, Ivan Di, Francesco Pagliarecci, Luca Spalazzi, Annapaola Marconi, and Marco Pistore. "Semantic Web Service Selection at the Process-Level: The eBay/Amazon/PayPal Case Study." In 2008 IEEE/WIC/ACM International Conference on Web Intelligence and Intelligent Agent Technology. IEEE, 2008. http://dx.doi.org/10.1109/wiiat.2008.237.

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Levin, Rachel, Jonathan Richardson, Gary Warner, and Kent Kerley. "Explaining Cybercrime through the Lens of Differential Association Theory, Hadidi44-2.php PayPal Case Study." In 2012 eCrime Researchers Summit (eCrime 2012). IEEE, 2012. http://dx.doi.org/10.1109/ecrime.2012.6489518.

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BUTOI, Florian-Cosmin. "Study on Cyber-Attacks Based on E-mails." In International Conference on Cybersecurity and Cybercrime. Romanian Association for Information Security Assurance, 2014. http://dx.doi.org/10.19107/cybercon.2014.10.

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A particularly dangerous and now common type of spam known as "Phishing” attempts to trick recipients into revealing personal and sensitive data, such as passwords, login ID’s, financial information or social security numbers. Recipients are directed to counterfeit and fraudulent websites that are exact duplicates of well-known and respected companies such as eBay, PayPal or large banking institutions and prompted to enter account information. This white paper addresses current issues associated with phishing scams and argues the most probable and likely direction phishing scams will follow in the future. Recommended safe user guidelines are included to help protect users from both current and future phishing attacks.
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Chikkareddy, Chandra. "CTS 2015 plenary speech: Agile at PayPal: A transformation towards leaner and more productive work collaboration." In 2015 International Conference on Collaboration Technologies and Systems (CTS). IEEE, 2015. http://dx.doi.org/10.1109/cts.2015.7210379.

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López-Cleries, Gloria, and Álvaro Porras Soriano. "EL TAG COMO CELDA DE VIGILANCIA.Una visión crítica de los metadatos y sistemas de reconocimiento facial a través de las prácticas artísticas." In III Congreso Internacional de Investigación en Artes Visuales :: ANIAV 2017 :: GLOCAL. Valencia: Universitat Politècnica València, 2017. http://dx.doi.org/10.4995/aniav.2017.4894.

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En la actualidad la expansión de las redes sociales ha hecho posible la aparición de un nuevo modelo de vigilancia más descentralizado y más difuso. La web 2.0 y los dispositivos smartphone permiten poner en tránsito información privada a disposición de los usuarios y de empresas público - privadas que forman parte de la nueva economía de red. La cotidianización de las aplicaciones con geolocalizadores permiten almacenar todo tipo de actividades y realizar la reconstrucción de todas nuestras acciones, deseos y afectos. En un contexto de hiper-exposición, de la sociedad hiper-conectada 24/7, se alza como un nuevo modelo de vigilancia más difuso, pero manteniendo el mismo efecto del Panóptico, que impacta sobre la psicología user creando un poder disciplinario ante la incertidumbre de estar en un foco de vigilancia. La celda de aislamiento y vigilancia del Panóptico se convierte hoy no solo en cada cuenta personalizada en las redes sociales sino en toda la información que registra el historial de Google asociado a una cuenta de mail personal, a cuentas de Paypal y a infinidad de apps que registran el ritmo cardíaco, las huellas digitales, las curvas de sueño y el azúcar en la sangre. Estas aplicaciones permiten el registro total de todas las acciones y movimientos físicos, biológicos y afectivos. Desde una perspectiva foucaultiana, los medios de comunicación social son más que un vehículo para el intercambio de información, son un vehículo para la formación de la identidad y su control.http://dx.doi.org/10.4995/ANIAV.2017.4894
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Rangel, Roberto, Leonardo Romero, and Moises Garcia. "Paynal, a low cost telepresence robot." In 2015 IEEE International Autumn Meeting on Power, Electronics and Computing (ROPEC). IEEE, 2015. http://dx.doi.org/10.1109/ropec.2015.7395156.

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Davoudi, Heidar, Aijun An, Morteza Zihayat, and Gordon Edall. "Adaptive Paywall Mechanism for Digital News Media." In KDD '18: The 24th ACM SIGKDD International Conference on Knowledge Discovery and Data Mining. New York, NY, USA: ACM, 2018. http://dx.doi.org/10.1145/3219819.3219892.

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Gomes, Gabriella, Thiago Marin Wolfran, Lediane Fani Felzke, and João Eujácio Teixeira Junior. "COMPOSIÇÃO ICONOGRÁFICA DO SITE DA ASSOCIAÇÃO KARO PAYGAP." In Semana Nacional da Ciência e Tecnologia IFRO Campus Cacoal. ,: Even3, 2022. http://dx.doi.org/10.29327/snctifrocampuscacoal2021.412942.

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Cardoso Tavares Pereira Silva, Ewerton, Lediane Fani Felzke, and João Eujácio Teixeira Junior. "ESTRUTURA DE DESENVOLVIMENTO DO SITE DA ASSOCIAÇÃO KARO PAYGAP." In Semana Nacional da Ciência e Tecnologia IFRO Campus Cacoal. ,: Even3, 2022. http://dx.doi.org/10.29327/snctifrocampuscacoal2021.413318.

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Reports on the topic "PayPal"

1

Bonner Cozad, Aisha. 2016 Nebraska Payday Lending Survey: Annotation. AARP Research, January 2017. http://dx.doi.org/10.26419/res.00152.002.

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Maggio, Marco Di, Angela Ma, and Emily Williams. In the Red: Overdrafts, Payday Lending and the Underbanked. Cambridge, MA: National Bureau of Economic Research, December 2020. http://dx.doi.org/10.3386/w28242.

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Miller, Sarah, and Cindy Soo. Does Increasing Access to Formal Credit Reduce Payday Borrowing? Cambridge, MA: National Bureau of Economic Research, September 2020. http://dx.doi.org/10.3386/w27783.

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Bonner Cozad, Aisha. 2016 AARP Nebraska Survey of 18-Plus: Opinions on Payday Lending. AARP Research, January 2017. http://dx.doi.org/10.26419/res.00152.001.

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Agarwal, Sumit, Paige Skiba, and Jeremy Tobacman. Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? Cambridge, MA: National Bureau of Economic Research, January 2009. http://dx.doi.org/10.3386/w14659.

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Wang, Jialan, and Kathleen Burke. The Effects of Disclosure and Enforcement on Payday Lending in Texas. Cambridge, MA: National Bureau of Economic Research, May 2021. http://dx.doi.org/10.3386/w28765.

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Allcott, Hunt, Joshua Kim, Dmitry Taubinsky, and Jonathan Zinman. Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending. Cambridge, MA: National Bureau of Economic Research, May 2021. http://dx.doi.org/10.3386/w28799.

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Akesaka, Mika, Peter Eibich, Chie Hanaoka, and Hitoshi Shigeoka. Temporal Instability of Risk Preference among the Poor: Evidence from Payday Cycles. Cambridge, MA: National Bureau of Economic Research, May 2021. http://dx.doi.org/10.3386/w28784.

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Arora, Ashish, Andrea Fosfuri, and Thomas Roende. Waiting for the Payday? The Market for Startups and the Timing of Entrepreneurial Exit. Cambridge, MA: National Bureau of Economic Research, February 2018. http://dx.doi.org/10.3386/w24350.

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Lazonick, William, Philip Moss, and Joshua Weitz. Equality Denied: Tech and African Americans. Institute for New Economic Thinking, February 2022. http://dx.doi.org/10.36687/inetwp177.

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Abstract:
Thus far in reporting the findings of our project “Fifty Years After: Black Employment in the United States Under the Equal Employment Opportunity Commission,” our analysis of what has happened to African American employment over the past half century has documented the importance of manufacturing employment to the upward socioeconomic mobility of Blacks in the 1960s and 1970s and the devastating impact of rationalization—the permanent elimination of blue-collar employment—on their socioeconomic mobility in the 1980s and beyond. The upward mobility of Blacks in the earlier decades was based on the Old Economy business model (OEBM) with its characteristic “career-with-one-company” (CWOC) employment relations. At its launching in 1965, the policy approach of the Equal Employment Opportunity Commission assumed the existence of CWOC, providing corporate employees, Blacks included, with a potential path for upward socioeconomic mobility over the course of their working lives by gaining access to productive opportunities and higher pay through stable employment within companies. It was through these internal employment structures that Blacks could potentially overcome barriers to the long legacy of job and pay discrimination. In the 1960s and 1970s, the generally growing availability of unionized semiskilled jobs gave working people, including Blacks, the large measure of employment stability as well as rising wages and benefits characteristic of the lower levels of the middle class. The next stage in this process of upward socioeconomic mobility should have been—and in a nation as prosperous as the United States could have been—the entry of the offspring of the new Black blue-collar middle class into white-collar occupations requiring higher educations. Despite progress in the attainment of college degrees, however, Blacks have had very limited access to the best employment opportunities as professional, technical, and administrative personnel at U.S. technology companies. Since the 1980s, the barriers to African American upward socioeconomic mobility have occurred within the context of the marketization (the end of CWOC) and globalization (accessibility to transnational labor supplies) of high-tech employment relations in the United States. These new employment relations, which stress interfirm labor mobility instead of intrafirm employment structures in the building of careers, are characteristic of the rise of the New Economy business model (NEBM), as scrutinized in William Lazonick’s 2009 book, Sustainable Prosperity in the New Economy? Business Organization and High-Tech Employment in the United States (Upjohn Institute). In this paper, we analyze the exclusion of Blacks from STEM (science, technology, engineering, math) occupations, using EEO-1 employment data made public, voluntarily and exceptionally, for various years between 2014 and 2020 by major tech companies, including Alphabet (Google), Amazon, Apple, Cisco, Facebook (now Meta), Hewlett Packard Enterprise, HP Inc., Intel, Microsoft, PayPal, Salesforce, and Uber. These data document the vast over-representation of Asian Americans and vast under-representation of African Americans at these tech companies in recent years. The data also shine a light on the racial, ethnic, and gender composition of large masses of lower-paid labor in the United States at leading U.S. tech companies, including tens of thousands of sales workers at Apple and hundreds of thousands of laborers & helpers at Amazon. In the cases of Hewlett-Packard, IBM, and Intel, we have access to EEO-1 data from earlier decades that permit in-depth accounts of the employment transitions that characterized the demise of OEBM and the rise of NEBM. Given our findings from the EEO-1 data analysis, our paper then seeks to explain the enormous presence of Asian Americans and the glaring absence of African Americans in well-paid employment under NEBM. A cogent answer to this question requires an understanding of the institutional conditions that have determined the availability of qualified Asians and Blacks to fill these employment opportunities as well as the access of qualified people by race, ethnicity, and gender to the employment opportunities that are available. Our analysis of the racial/ethnic determinants of STEM employment focuses on a) stark differences among racial and ethnic groups in educational attainment and performance relevant to accessing STEM occupations, b) the decline in the implementation of affirmative-action legislation from the early 1980s, c) changes in U.S. immigration policy that favored the entry of well-educated Asians, especially with the passage of the Immigration Act of 1990, and d) consequent social barriers that qualified Blacks have faced relative to Asians and whites in accessing tech employment as a result of a combination of statistical discrimination against African Americans and their exclusion from effective social networks.
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